摘要翻译：
在撰写本报告时，当前的危机对金融界产生了深远影响，促使人们需要采取创造性的方法，在微观和宏观层面重振经济。在这份非正式的分析和设计提案中，我们描述了数字资产基础设施如何在未来，特别是在危机期间，作为有用的货币和财政政策工具以及现有工具的推动者，同时调整金融技术创新的轨迹，走向更光明的未来。我们提出了一种数字货币的方法，允许没有银行关系的人以电子和私人方式进行交易，包括要求无现金的互联网购买和销售点购买。我们还提出了一种数字货币的方法，该方法将允许更有效和透明的清算和结算，实施货币和财政政策，并管理系统性风险。数字货币可以作为中央银行数字货币(CBDC)实施，也可以由政府发行，并以公共基金或国库资产作为抵押。我们提议的架构允许这两种表现形式，并将由银行和其他货币服务企业运营，在政府监管机构的框架内运营。我们认为，现在是采取行动发展这样一个系统的时候，这不仅是因为当前的危机，也是因为预期地缘政治风险、数字经济的持续全球化以及技术带来的价值和风险的不断变化会导致未来的危机。
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英文标题：
《Digital Currency and Economic Crises: Helping States Respond》
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作者：
Geoffrey Goodell, Hazem Danny Al-Nakib, Paolo Tasca
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最新提交年份：
2020
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分类信息：

一级分类：Computer Science        计算机科学
二级分类：Computers and Society        计算机与社会
分类描述：Covers impact of computers on society, computer ethics, information technology and public policy, legal aspects of computing, computers and education. Roughly includes material in ACM Subject Classes K.0, K.2, K.3, K.4, K.5, and K.7.
涵盖计算机对社会的影响、计算机伦理、信息技术和公共政策、计算机的法律方面、计算机和教育。大致包括ACM学科类K.0、K.2、K.3、K.4、K.5和K.7中的材料。
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一级分类：Economics        经济学
二级分类：General Economics        一般经济学
分类描述：General methodological, applied, and empirical contributions to economics.
对经济学的一般方法、应用和经验贡献。
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一级分类：Quantitative Finance        数量金融学
二级分类：Economics        经济学
分类描述：q-fin.EC is an alias for econ.GN. Economics, including micro and macro economics, international economics, theory of the firm, labor economics, and other economic topics outside finance
q-fin.ec是econ.gn的别名。经济学，包括微观和宏观经济学、国际经济学、企业理论、劳动经济学和其他金融以外的经济专题
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英文摘要：
  The current crisis, at the time of writing, has had a profound impact on the financial world, introducing the need for creative approaches to revitalising the economy at the micro level as well as the macro level. In this informal analysis and design proposal, we describe how infrastructure for digital assets can serve as a useful monetary and fiscal policy tool and an enabler of existing tools in the future, particularly during crises, while aligning the trajectory of financial technology innovation toward a brighter future. We propose an approach to digital currency that would allow people without banking relationships to transact electronically and privately, including both internet purchases and point-of-sale purchases that are required to be cashless. We also propose an approach to digital currency that would allow for more efficient and transparent clearing and settlement, implementation of monetary and fiscal policy, and management of systemic risk. The digital currency could be implemented as central bank digital currency (CBDC), or it could be issued by the government and collateralised by public funds or Treasury assets. Our proposed architecture allows both manifestations and would be operated by banks and other money services businesses, operating within a framework overseen by government regulators. We argue that now is the time for action to undertake development of such a system, not only because of the current crisis but also in anticipation of future crises resulting from geopolitical risks, the continued globalisation of the digital economy, and the changing value and risks that technology brings.
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PDF链接：
https://arxiv.org/pdf/2006.03023